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    <title>个人财务规划指南</title>
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        <div class="relative container mx-auto px-6 py-24 text-center">
            <h1 class="text-5xl md:text-7xl font-bold mb-6 animate-pulse">
                掌控财富 · 规划人生
            </h1>
            <p class="text-xl md:text-2xl mb-8 opacity-90 max-w-3xl mx-auto">
                从记账到投资，从储蓄到保险，打造属于你的财务自由之路
            </p>
            <div class="flex justify-center space-x-8 text-3xl">
                <i class="fas fa-chart-line animate-bounce"></i>
                <i class="fas fa-piggy-bank animate-bounce" style="animation-delay: 0.1s"></i>
                <i class="fas fa-shield-alt animate-bounce" style="animation-delay: 0.2s"></i>
            </div>
        </div>
        <div class="absolute bottom-0 left-0 right-0">
            <svg viewBox="0 0 1440 120" fill="none" xmlns="http://www.w3.org/2000/svg">
                <path d="M0 120L60 110C120 100 240 80 360 70C480 60 600 60 720 65C840 70 960 80 1080 85C1200 90 1320 90 1380 90L1440 90V120H1380C1320 120 1200 120 1080 120C960 120 840 120 720 120C600 120 480 120 360 120C240 120 120 120 60 120H0V120Z" fill="white"/>
            </svg>
        </div>
    </section>

    <!-- 主要内容区域 -->
    <main class="container mx-auto px-6 py-12 max-w-6xl">
        <!-- 引言部分 -->
        <section class="bg-white rounded-2xl shadow-xl p-8 md:p-12 mb-12 card-hover">
            <p class="text-lg leading-relaxed text-gray-700 drop-cap hanging-punctuation">
                在人生的旅途中，我们都怀揣着各种各样的梦想与目标，无论是购置心仪的房产、为子女提供优质教育，还是畅享惬意的退休生活，这一切都离不开坚实的财务基础。个人财务规划，就如同为我们的财富之路绘制的精准地图，指引着我们合理分配资源，逐步实现这些目标。它不仅仅是简单的记账和存钱，更是一种对生活的长远布局与掌控，让我们在面对经济波动和突发状况时，能够从容不迫，确保生活质量不受影响。今天，就让我们一同深入探索个人财务规划与目标设定的奥秘，开启财富增值的大门。
            </p>
        </section>

        <!-- 数据可视化：财务规划框架 -->
        <section class="bg-gradient-to-r from-purple-50 to-indigo-50 rounded-2xl p-8 mb-12">
            <h3 class="text-2xl font-bold text-center mb-6 gradient-text">财务规划全景图</h3>
            <div class="mermaid">
                graph TD
                    A[个人财务规划] --> B[认清现状]
                    A --> C[确立目标]
                    A --> D[执行计划]
                    A --> E[动态调整]
                    
                    B --> B1[收支分析]
                    B --> B2[资产负债盘点]
                    
                    C --> C1[SMART原则]
                    C --> C2[短中长期目标]
                    
                    D --> D1[制定预算]
                    D --> D2[储蓄投资]
                    D --> D3[债务管理]
                    D --> D4[保险保障]
                    
                    E --> E1[定期审查]
                    E --> E2[灵活调整]
                    
                    style A fill:#6366f1,stroke:#4f46e5,stroke-width:3px,color:#fff
                    style B fill:#8b5cf6,stroke:#7c3aed,stroke-width:2px,color:#fff
                    style C fill:#8b5cf6,stroke:#7c3aed,stroke-width:2px,color:#fff
                    style D fill:#8b5cf6,stroke:#7c3aed,stroke-width:2px,color:#fff
                    style E fill:#8b5cf6,stroke:#7c3aed,stroke-width:2px,color:#fff
            </div>
        </section>

        <!-- 第一章节 -->
        <section class="mb-16">
            <h2 class="text-4xl font-bold mb-8 relative pl-8 section-title">
                <i class="fas fa-search-dollar mr-3 text-indigo-600"></i>
                一、认清现状，明确起点
            </h2>
            
            <div class="grid md:grid-cols-2 gap-8">
                <!-- 收支情况卡片 -->
                <div class="bg-white rounded-xl shadow-lg p-8 card-hover">
                    <h3 class="text-2xl font-semibold mb-4 text-gray-800">
                        <i class="fas fa-calculator mr-2 text-purple-600"></i>
                        全面梳理收支情况
                    </h3>
                    <p class="text-gray-600 leading-relaxed mb-4">
                        想要做好财务规划，第一步就是要对自己的收支情况了如指掌。记账是一个简单而有效的方法，通过记录每一笔收入和支出，你可以清晰地看到钱从哪里来，又花到了哪里去。
                    </p>
                    <div class="bg-purple-50 rounded-lg p-4 mt-4">
                        <p class="text-sm text-purple-800">
                            <i class="fas fa-lightbulb mr-2"></i>
                            推荐工具：随手记、鲨鱼记账等APP，让你随时随地记录收支。
                        </p>
                    </div>
                </div>
                
                <!-- 资产负债卡片 -->
                <div class="bg-white rounded-xl shadow-lg p-8 card-hover">
                    <h3 class="text-2xl font-semibold mb-4 text-gray-800">
                        <i class="fas fa-balance-scale mr-2 text-indigo-600"></i>
                        盘点资产与负债
                    </h3>
                    <p class="text-gray-600 leading-relaxed mb-4">
                        除了收支情况，对个人资产和负债的清查也是财务规划的关键环节。资产包括现金、存款、投资、房产、车辆等，而负债则涵盖房贷、车贷、信用卡欠款等。
                    </p>
                    <div class="bg-indigo-50 rounded-lg p-4 mt-4">
                        <p class="text-sm text-indigo-800">
                            <i class="fas fa-info-circle mr-2"></i>
                            通过查询个人征信报告，可全面了解贷款和信用卡使用情况。
                        </p>
                    </div>
                </div>
            </div>
        </section>

        <!-- 第二章节 -->
        <section class="mb-16">
            <h2 class="text-4xl font-bold mb-8 relative pl-8 section-title">
                <i class="fas fa-bullseye mr-3 text-purple-600"></i>
                二、合理规划，确立目标
            </h2>
            
            <!-- SMART原则展示 -->
            <div class="bg-gradient-to-r from-indigo-500 to-purple-600 rounded-2xl p-8 text-white mb-8">
                <h3 class="text-3xl font-bold mb-6 text-center">SMART 目标设定原则</h3>
                <div class="grid md:grid-cols-5 gap-4">
                    <div class="text-center">
                        <div class="bg-white bg-opacity-20 rounded-full w-20 h-20 flex items-center justify-center mx-auto mb-3">
                            <span class="text-3xl font-bold">S</span>
                        </div>
                        <h4 class="font-semibold mb-1">Specific</h4>
                        <p class="text-sm opacity-90">具体明确</p>
                    </div>
                    <div class="text-center">
                        <div class="bg-white bg-opacity-20 rounded-full w-20 h-20 flex items-center justify-center mx-auto mb-3">
                            <span class="text-3xl font-bold">M</span>
                        </div>
                        <h4 class="font-semibold mb-1">Measurable</h4>
                        <p class="text-sm opacity-90">可以衡量</p>
                    </div>
                    <div class="text-center">
                        <div class="bg-white bg-opacity-20 rounded-full w-20 h-20 flex items-center justify-center mx-auto mb-3">
                            <span class="text-3xl font-bold">A</span>
                        </div>
                        <h4 class="font-semibold mb-1">Achievable</h4>
                        <p class="text-sm opacity-90">可以达成</p>
                    </div>
                    <div class="text-center">
                        <div class="bg-white bg-opacity-20 rounded-full w-20 h-20 flex items-center justify-center mx-auto mb-3">
                            <span class="text-3xl font-bold">R</span>
                        </div>
                        <h4 class="font-semibold mb-1">Relevant</h4>
                        <p class="text-sm opacity-90">相关性强</p>
                    </div>
                    <div class="text-center">
                        <div class="bg-white bg-opacity-20 rounded-full w-20 h-20 flex items-center justify-center mx-auto mb-3">
                            <span class="text-3xl font-bold">T</span>
                        </div>
                        <h4 class="